Held an account with HSBC for around 16 years. I have no credit card or overdraft. My wages are paid into the account each month. Also hold my savings accounts with them. Recently scrolling through their website realised I qualified for their Advance account. Contacted the call center after around 45 minutes of being on hold finally get through to the Advance team to be told I don’t qualify due to my poor credit rating. This baffles me. They get my money every month. They know the state of my accounts. What purpose is there for a credit credit check? The operator told me it was to ensure I’d be able to keep up repayments on my overdraft or credit card. As stated I have neither. Extremely annoyed as it’s just withholding perks that should be offered as a loyal customer. Seriously considering changing banks.